Bank Comparison
Planters and Citizens Bank vs Carmine State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 4
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Planters and Citizens Bank | Carmine State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.38% | 9.69% |
| Equity / Assets | 8.02% | 5.42% |
Profitability
| Metric | Planters and Citizens Bank | Carmine State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.36% | 0.85% |
| Return on Equity (ROE) | 4.45% | 16.41% |
| Net Interest Margin (NIM) | 3.82% | 2.34% |
| Yield on Earning Assets | 5.40% | 4.39% |
| Cost of Funds | 1.65% | 2.30% |
Asset quality
| Metric | Planters and Citizens Bank | Carmine State Bank |
|---|---|---|
| Texas Ratio | 0.60% | 8.52% |
| Non-Performing Loan Ratio | 0.09% | 1.25% |
| Non-Performing Asset Ratio | 0.05% | 0.33% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.44% | 0.57% |
Balance sheet
| Metric | Planters and Citizens Bank | Carmine State Bank |
|---|---|---|
| Total Assets | $145,493K | $145,265K |
| Total Deposits | $123,806K | $137,091K |
| Total Loans | $84,998K | $38,965K |
| Total Equity | $11,667K | $7,876K |
| Net Income (quarter) | $130 | $336 |
Liquidity & funding
| Metric | Planters and Citizens Bank | Carmine State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 68.65% | 28.42% |
| Core Deposit Ratio | 94.01% | 70.41% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Planters and Citizens Bank | Carmine State Bank |
|---|---|---|
| Headquarters City | CAMILLA | CARMINE |
| Headquarters State | GA | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 25 | 12 |
| Established | May 24, 1913, midnight | July 1, 1907, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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